SmartyPig is No Longer Relevant

by Ryan Guina July 19, 2011

Like many other people, I was intrigued when SmartyPig launched – they offered interest rates which were substantially higher than virtually every other bank on the market. Unfortunately, it was unsustainable. SmartyPig recently dropped their interest rates again and while their current interest rate of 1.10% APY is still near the best you can find, […]

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Be On the Look Out for New Bank Fees

by Miranda Marquit May 30, 2011

Are you reading what your bank sends you? You should be. You might be facing new bank fees in the coming months. I recently received a notice from one of my banks informing me of new activity requirements for my account. In order for my account to remain fee-free, I have to make a certain […]

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Fighting $5 Back Against ATM Fees

by Ryan Guina March 21, 2011

Five dollars just doesn’t have the same purchasing power it used to – at least not in IL, where Chase Bank is charging non-Chase Bank customers $5 to access their ATM. The only place I’ve ever seen $5 ATM fees is in a casino, where you expect ATM fees to be high. But you don’t […]

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5 Common Misconceptions About FDIC Insurance

by Laura Adams December 15, 2010

FDIC insurance might not be the sexiest personal finance topic, but it’s an important one. Many people know that banks have federal insurance, but they may not know the details about what’s covered and what isn’t. Unfortunately, bank failures continue to occur—over 150 institutions have closed their doors since the beginning of 2010. The FDIC, […]

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PerkStreet $25 New Account Bonus

by Ryan Guina December 10, 2010

Note: This offer has expired and is no longer be available. PerkStreet has since stopped accepting new customers. Here is a list of recommended free online checking accounts. If you count yourself among those who are avoiding credit cards, then you probably use a debit card for most major purchases and online shopping. Debit cards […]

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Dave Ramsey Recommends PerkStreet Financial Rewards Debit Card

by Ryan Guina September 27, 2010

If you know anything about Dave Ramsey, you should know this: He hates debt, and he hates credit cards. And with good reason. He made some poor financial decisions in his younger days and lost a multi-million dollar real estate portfolio he had built. He was living beyond his means and he took on too […]

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SmartyPig Lowers Interest Rates – Is Their Business Model Sustainable?

by Ryan Guina September 6, 2010

When SmartyPig launched a couple years ago, they created a big splash because their interest rates were quite a bit higher than most other savings accounts at a time when interest rates were continually dropping. Over the last year, SmartyPig has maintained consistent interest rates, with the exception of 2 months ago when they bucked […]

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